"I want to grow with BUPCC and become a successful entrepreneur."
Derrick Gabi
Founding Member
How each product works, described plainly — no rates, no promised figures, just the mechanism and what it means for you.
What it is: Your ownership stake in BUPCC. Buying Share Capital doesn't just make you a customer — it makes you a co-owner of the cooperative itself.
How it works: Paid as part of the membership process (Step 4 of the membership pathway), after PMES and application approval. Held as your equity in BUPCC for as long as you remain a member.
What you gain: Interest on Share Capital, declared annually by the Board based on BUPCC's actual net surplus for that year — the amount isn't fixed or guaranteed in advance; it depends on how BUPCC performs. Plus one member, one vote in governance: your voice carries the same weight regardless of how much Share Capital you hold, unlike a regular corporation.
What it is: Credit products for real member needs: Business, Emergency, Education, and Medical loans (see Benefits & Requirements for eligibility).
How it works: Available to active members in good standing; each application is reviewed under BUPCC's credit policy. Business loans specifically connect to the entrepreneurial journey described on The Journey Ahead.
What you gain: Access to community-based credit — funds that stay within BUPCC and its members, rather than flowing out to an external commercial bank. Loan terms and interest are set by the Board and shared during PMES and the application process, not published here.
What it is: Two ways to save with BUPCC — Regular Savings Deposit (flexible, withdraw anytime) and Time Deposit (funds committed for a set period).
How it works: Open an account as a member, deposit funds; BUPCC pools member savings to help fund the loans made available to other members — your savings and someone else's loan are part of the same cycle.
What you gain: Interest on deposits, declared by the Board, and the knowledge that your savings are actively strengthening the cooperative you belong to, not sitting in an external institution's balance sheet.
Please note: BUPCC is a credit cooperative registered with and regulated by the Cooperative Development Authority (CDA) — not a bank regulated by the Bangko Sentral ng Pilipinas (BSP). Because of this, deposits with BUPCC are not covered by the Philippine Deposit Insurance Corporation (PDIC), which insures deposits only in BSP-supervised banks. Your savings are safeguarded instead through BUPCC's reserve funds, CDA oversight, and sound cooperative lending practices.
"I want to grow with BUPCC and become a successful entrepreneur."
Derrick Gabi
Founding Member
Rights, responsibilities, and who can join — all on Benefits & Requirements.